Kotak Mahindra Bank

Credit Analyst-SUPPORT SERVICES-SME Credit

Kotak Mahindra Bank  •  Raipur, IN (Onsite)  •  1 hour ago
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Job Description

Kotak Mahindra Bank Ltd is seeking a Credit Analyst to join the SUPPORT SERVICES-SME Credit department. The role involves analyzing credit data, assessing risks, and providing recommendations to support the bank's SME lending operations.

As a Credit Analyst, you will play a crucial role in evaluating credit applications and managing the credit portfolio for Small and Medium Enterprises (SMEs). Your expertise will contribute to the bank's growth and success in the SME lending market. This position offers an opportunity to work with a dynamic team and gain valuable experience in credit analysis and risk management.

Responsibilities
  • Conduct thorough credit analysis and evaluation of SME loan applications.
  • Assess creditworthiness, financial health, and risk profiles of prospective borrowers.
  • Prepare comprehensive credit reports and recommendations for loan approvals.
  • Monitor and manage the credit portfolio, ensuring timely repayments and identifying potential risks.
  • Collaborate with relationship managers and underwriters to structure and approve SME loans.
  • Stay updated on industry trends, market conditions, and regulatory changes impacting SME lending.
  • Provide support and guidance to relationship managers in credit-related queries and decisions.
  • Maintain accurate records and documentation for all credit-related activities.
  • Assist in developing and implementing credit policies and procedures for SME lending.
  • Participate in training and knowledge-sharing sessions to enhance credit analysis skills.


Qualifications
  • Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
  • Minimum 2-3 years of experience in credit analysis or a similar role, preferably in banking or financial services.
  • Strong analytical skills and attention to detail for evaluating financial statements and credit data.
  • Proficiency in using credit analysis tools and software, including credit scoring models.
  • Excellent communication and interpersonal skills for effective collaboration with internal teams.
  • Ability to work independently, manage multiple tasks, and meet tight deadlines.
  • Knowledge of SME lending practices, industry trends, and regulatory requirements is preferred.
  • Familiarity with credit risk management frameworks and best practices.
  • Proficient in Microsoft Office suite, particularly Excel for financial analysis.
  • Willingness to learn and adapt to new technologies and processes.
Kotak Mahindra Bank

About Kotak Mahindra Bank

About Kotak Mahindra Group:

Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.

The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.

The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html

Industry
Finance & Insurance
Company Size
10,000+ employees
Headquarters
Mumbai, IN
Year Founded
1985
Website
kotak.com
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